Issue 05 - My Vyapar News Paper
Transcription
Issue 05 - My Vyapar News Paper
MY Vyapar Adyar & Anna Nagar Edition Vol. 1 Issue 5 August 11, 2013 Next Issue August 25, 2013 (90,000 Copies) Free Premium Paper àôA¡ IèŠ ªðKò Largest Post Office Network In The World Ü…ê™ Ü½õôè õ¬ôŠðE Independence Day Cover Story Our Neighborhood Post Master General Mr. Mervin Alexander By S. Vijay Prakash (My Vyapar) As of 31 March 2011, the Indian Postal Service had 1,54,866 post offices, of which 1,39,040 (89.78 percent) were in rural areas and 15,826 (10.22 percent) in urban areas. At the time of independence, there were 23,344 post offices, primarily in urban areas. The network has registered a sixfold growth since independence, with the expansion’s focus primarily in rural areas. On average, a post office serves an area of 21.23 square kilometres (8.20 sq mi) and a population of 7,114; it is the most widely-distributed postal system in the world. Lets meet Mr. Mervin Alexander, Post Master General, as a part of the Independence Day special focus. Tell us a little about your family? Mr. Mervin: My wife Maddona is a classical dance teacher and my sons Atul and Rajath are in the University. We live in Adyar in a calm neighborhood. How about your educational qualification? Mr. Mervin: 1. B.Sc., ( Agriculture) 2. M.Sc., (Agrl. Extension) 3. M . S c . , ( D e f e n c e Studies) 4. M . A . , ( P u b l i c Administration) 5. M . A . , ( P o p u l a t i o n Studies) 6. P.G., Diploma in P.R., 7.M.Phil., (Defence & Strategic Studies) 8. M . P h i l . , ( To u r i s m Management) has population of 600. 9.P. G . , D i p l o m a i n Around 50 people have Management a savings account in the Can you tell us about Hikkim post office. The your work experience? post office handles around Mr. Mervin: Currently 15-20 letters everyday. I am the Post Master How does the Post G e n e r a l f o r C h e n n a i office Work? Let us say region. Previously I was I mail a package from the Asst. Director General- Anna Nagar or Adyar Postal Directorate, New to say Bangalore, can Delhi, Director of Postal you take us through the Services, Trivandrum, process of how it will Chief Vigilance Officer- reach its destination? Cochin Port Trust & Cochin If a letter is posted, Shipyard Ltd., (2000- it is cleared by the Post 2005), Chief Executive Office, stamped and if it is O f f i c e r, Te c h n o p a r k not for delivery from the (GoK), Trivandrum in same Post Office, it is sent 2009-2011 (I concurrently to the linked mail office held the post of Chairman, which dispatches it to the Technopark-Technology mail office which caters Business , Inculcator, to the Post Office which Director, Kerala State serves the addressee. Then IT Infrastructure Ltd., based on distance it is D i r e c t o r, K e r a l a I T transmitted by air, train or Mission). Technopark is surface. Most of the mail the largest IT park in the is transmitted by air. At country employing about the other end it is again 40,000 professionals. stamped and delivered Tell us something My through the beat post Vyapar readers may not man. PIN code is crucial know about the Indian for correct and speedy Post Office? delivery. Mr. Mervin: Why do you Did you know think people that the world’s use courier highest post services instead office is in India. of our good old This branch post post office? office is located Mr. Mervin: in a small town To be honest, the called Hikkim, courier service in Lahaul was a wake up Spiti district call for the Indian of Himachal Post Office. The Pradesh. It speed at which is located at they operated height of 15500 made the Indian feet. The pin Postal service Adyar code for this stand up and post office is take notice. The 172114. Hikkim Post Office then î¬ô¬ñ Ü…ê™ ÜFè£K F¼ ªñ˜M¡ ܪô‚꣇ì¼ì¡ «ï˜è£í™ 7. MPhil (Defence & Stategic Studies) 8 . M P h i l ( To u r i s m Management) 9. PG Diploma in Management àƒèœ ðE ÜÂðõ‹ ðŸP? introduced the concept of Speed Post which is in competition to the courier services. Personalized door-step service is still wanting in our post office but at least the speed of delivery was matched to compete with the courier services. Which Post Office Service in world impresses you the most? Mr. Mervin: I think the USPS (United States Postal Service) because they are competing with behemoths like FedEx which own the largest fleet of airplanes. What impresses me the most is that they are able to compete even though it is being run by the govt. Are there any other services that a Post Office provides? M r. M e r v i n : Wi t h changing times and changing customer demands, new services are introduced. The post office offers a number of savings plans, including National Savings Certificates, the Public Provident Fund, monthly-income plans, senior-citizens’ savings ...Continued on Page 2 2011 ñ£˜„ 31 º®ò Þ‰Fò Ü… ê™ ¶¬øJ¡ W¿œ÷ ªñ£ˆî‹ 1,54,886 Ü…ê™ Ü½õôèƒèÀœ 1,39,040 (89.78) Aó£ñŠ ð°FèO½‹, 15,826 (10.22) ïèóŠ ð°FèO½‹ Þ¼‰îù.. Þ‰Fò£ ²î‰Fó‹ ܬì‰î «ð£¶ 23,344 Ü…ê™ Ü½õôèƒèœ °PŠð£è ïèóŠ ð°èO™ Þ¼‰îù. ²î‰FóˆFŸ°Š Hø° Þ‰î õ¬ôŠðE °PŠð£è Aó£ñŠ ð°FèL™ ÜÁ ñìƒè£è MKõ¬ì‰ˆ¶. 嚪õ£¼ Ü…ê™ Ü½õô躋 êó£êKò£è 21.23 ê¶ó Ae (8.20 ê¶ó ¬ñ™) ðóŠð÷¾ ñŸÁ‹ 7,114 ñ‚èÀ‚°„ «ê¬õ ªêŒAø¶. àôA«ô«ò IèŠ ªðKò Ü…ê™ Ü½õôè õ¬ôŠðE ޶. ² î ‰ F ó F ù ‚ ªè£‡ì£†ìƒèO¡ å¼ ð°Fò£è F¼ ªñ˜M¡ ܪô‚꣇ì¬ó„ ê‰FŠ«ð£‹: àƒèœ °´‹ð‹ ðŸP„ ªê£™½ƒèœ? â¡ ñ¬ùM ñ«ì£ù£ ð£ó‹ðKò ïìù ÝCK¬ò. ñè¡èœ Ü´™ ñŸÁ‹ óüˆ ð™è¬ô‚èöè ñ£íõ˜èœ. ܬìò£P™ ܬñFò£ù ÅöL™ õC‚A«ø£‹: àƒèœ è™Mˆ î°F? 1. BSc (Agriculture) 2. MSc (Agrl. Extention) 3. MSc (Defence Studies) 4. MA (Public Administration) 5. MA (Population Studies) 6. PG Diploma in Public Relations 𣶠ªê¡¬ù Hó£‰Fòˆ î¬ô¬ñ Ü…ê™ ÜFè£Kò£è Þ¼‚A«ø¡. Þ º¡¹ ¹¶ ªì™L Ü… ê™ Þò‚°ùóèˆF™ àîM î¬ô¬ñ Þò‚°ùó£è¾‹, F¼õù‰î¹ó‹ Ü…ê™ «ê¬õ Þò‚°ùó£è¾‹, ªè£„C ¶¬øºèŠ ªð£ÁŠ¹ & ªè£„C èŠð™ 膴‹ î÷ GÁõù ºî¡¬ñ‚ è‡è£EŠ¹ ÜFè£Kò£è¾‹ (20002005), F¼õ¡‰î¹ó‹ ªì‚«ù£ð£˜‚ ºî¡¬ñ„ ªêò™ ÜFè£Kò£è¾‹ (20092011) ðEò£ŸP àœ«÷¡. Þ«î è£ôè†ìˆF™ ªì‚«ù£ð£˜‚ - ªì‚ô£ùT HCùv î¬ôõó£è¾‹, «èó÷ ñ£Gô îèõ™ ªî£N™¸†ð‹ è†ì¬ñŠ¹ GÁõù ޡ虫è†ì˜ Þò‚°ùó辋, «èó÷ ä® Iû¡ Þò‚°ùó£è¾‹ ðEò£ŸP Þ¼‚A«ø¡. ªì‚«ù£ð£˜‚ 40000‚°‹ ÜFèñ£«ù£˜ ðEò£ŸÁ‹ ®«ô«ò IèŠ ªðKò îèõ™ ªî£N™¸†ðŠ Ìƒè£ â¡ð¶ °PŠHìˆî‚è¶. ïñ¶ õ£êè˜èÀ‚° Þ‰Fò Ü…ê™ Ü½õôè‹ ðŸP ÜFè‹ ªîKò£î ªêŒFè¬÷‚ Ãø¾‹? àôA«ô«ò Iè àòóñ£ù ÞìˆF™ Þ¼‚°‹ Ü…ê™ Ü½õôè‹ Þ‰Fò£M™î£¡ Þ¼‚Aø¶ â¡ð¶ ªîK»ñ£? Þñ£êôŠ Hó«îê‹ ô£°™ vH® ñ£õ†ìˆF½œ÷ U‚A‹ â¡Â‹ áK™ èì™ ñ†ìˆFL¼‰¶ ²ñ£˜ 15,500 Ü® àòóˆF™ Þ‰î Ü…ê™ Ü½õôè‚ A¬÷ ܬñ‰¶œ÷¶. Þî¡ Hƒ«è£† 172114. U‚A‹ ñ‚èœ ªî£¬è 600. U‚A‹ Ü…ê™ Ü½õôèˆF™ 50 ïð˜èœ «êIŠ¹‚ èí‚° ¬õˆ¶œ÷ù˜. FùêK 15-20 è®îƒè¬÷‚ Þ‰î‚ A¬÷ ¬èò£œAø¶. Ü…ê™ Ü½õôè‹ âšõ£Á Þòƒ°Aø¶? ...Continued on Page 2 MY VYAPAR Continued from Page 1 plans and time-deposit accounts. E M S S p e e d p o s t offers quick delivery to National and International centers, Parcel Services, Logistic Post, Media Post (advt) Money Remittance: EMOmoney t r a n s m i s s i o n e l e c t r o n i c a l l y, E payment IMO instant money transmission upto Rs 50,000/ E P o s t i s a g o o d substitute for telegram Insurance through PLI and Rural PLI Forex Post Office has applied for Banking License, how do you think you will be different? To be very honest, the employees on the ground have to be trained but with out network we will have the best rural reach anyone can ask for. We can bridge the financial divide better than any private players. We are already doing a lot of that with our savings schemes. It is a thought but execution is the key. What are your plans after retirement? It is not something I have thought about but I surely want to give back to the community. Teaching the under privileged and teaching football, which I love, is something I might explore. Mr. Mervin Alexander and My Vyapar Team wish our readers a very happy Independence Day. Continued from Page 1 Ü‡í£ ïèKL¼‰¶ ܬìò£Á‚° å¼ è®ˆˆ¬î ÜŠ¹A«ø¡ â¡Á ¬õˆ¶‚ ªè£œÀƒèœ. âšõ£Á ܶ ªðÁï¬ó„ ªê¡ø¬ìAø¶? å¼ è®îˆ¬î ÜŠ¹‹ «ð£¶ ܶ ê‹ñ‰îŠð†ì Ü…ê™ Ü½õôèˆF™ ºˆF¬ó ÞìŠð´Aø¶. ªðÁïK¡ ºèõK «õÁ Ü…ê™ Ü½õôèªñQ™ ܃«è ÜŠŠŠð†´ H¡ù˜ ªðÁï¬ó„ ܬìAø¶. Éóˆ¬îŠ ªð£¼ˆ¶ Mñ£ù‹, óJ™ Ü™ô¶ ꣬ô õN«ò ÜŠðŠð´‹. ªð¼‹ð£ô£ù Ü… ê™èœ Mñ£ù‹ Íô«ñ ÜŠðŠð´A¡øù. Ü´ˆî º¬ùJ™ ܶ e‡´‹ ºˆF¬ó ÞìŠð†´ d† îð£™è£ó˜ Íô‹ MG«ò£A‚èŠð´Aø¶. Ü…ê™ Ü½õô般î M†´ ñ‚èœ ã¡ ªè£Kò˜ «ê¬õ¬ò A¡øù˜? à ‡ ¬ ñ ¬ ò „ ªê£™õªî¡ø£™ ªè£Kò˜ «ê¬õ Þ‰Fòˆ î𣙠¶¬ø¬òˆ  â¿ŠH ADYaR àœ÷¶. ªè£Kò˜ «ê¬õJ¡ «õè‹ Þ‰Fò Ü…ê™ ¶¬ø¬ò èõQ‚è ¬õˆˆ¶. Þî¡ ªî£ì˜„Cò£è ÜPºèñ£ù¶î£¡ ªè£Kò˜ «ê¬õ»ì¡ «ð£†® «ð£´‹ ‘¶Kî Ü…ê™’ â¡Â‹ vd† «ð£v†. i†´‚«è ªê¡Á õöƒ°‹ îQï𘠫ê¬õ Ü…ê™ Ü½õôèˆF½œ÷ °¬ø𣴠â¡ø£½‹ ªè£Kò˜ «ê¬õ‚° Þ¬íò£ù «õèˆ¶ì¡ MG«ò£A‚A¡øù˜. àôA«ô«ò â‰î ®¡ Ü…ê™ «ê¬õ àƒè¬÷ ߘˆˆ¶? ðô Mñ£ùƒè¬÷ ¬õˆF¼‚°‹ çªð†â‚v GÁõùˆFŸ°Š «ð£†®ò£è ªêò™ð´õ ⡬ù ߘˆˆ¶ ܪñK‚è Ü…ê™ «ê¬õ â¡Á â‡EA«ø¡. Üó² GÁõùñ£è Þ¼‰î£½‹ CøŠð£è„ ªêò™ð´A¡øù˜. Ü…ê™ Ü½õôè‹ õöƒ°‹ ñŸø «ê¬õèœ â¡ù? ñ£Põ¼‹ Åö½‚«èŸð õ£®‚¬èò£÷˜ «î¬õ¬ò à혉¶ W›‚裵‹ ¹Fò «ê¬õè¬÷ ÜPºèŠð´ˆF àœ«÷£‹: «îCò «êIŠ¹ ꣡Pî›èœ, ªð£¶ õ¼ƒè£ô ¬õŠ¹ GF, ñ£î£‰Fó õ¼õ£Œˆ F † ì ƒ è œ , Í ˆ î °®ñ‚èÀ‚è£ù «êIŠ¹ˆ F†ìƒèœ, è£ô ¬õŠ¹ GF‚ èí‚°èœ «îê ñŸÁ‹ ê˜õ«îê ¬ñòƒèœ, 𣘄™ «ê¬õèœ, «ð£‚°õóˆ¶ Ü…ê™, áìè Ü…ê™ (M÷‹Šó‹) ÝAòõŸ¬ø Þâ‹âv ¶Kî Ü…ê™ õöƒ°Aø¶ ðí‹ ÜŠ¹î™ Þâ‹æ, I¡ ªê½ˆ¶î™ î‰F‚° ñ£Ÿø£è I¡ îð£™ Ü…ê™ Ý»œ 裊d´ ñŸÁ‹ Aó£ñ Ü…ê™ Ý»œ 裊d´ Üò™ï£†´Š ðíŠ ðKñ£Ÿø‹ õƒA àKñˆFŸ° Ü…ê™ Ü½õôè‹ M‡íŠHˆ¶œ÷¶. cƒèœ âšõ£Á «õÁð´i˜èœ? á N ò ˜ è À ‚ ° August 11, 2013 2 º¿¬ñò£ù ðJŸC ºîL™ õöƒèŠðì «õ‡´‹. Þ¼ŠH‹ ñŸøõ˜è¬÷ Mì Aó£ñ Ü÷Mô£ù «ê¬õ¬ò Iè„ Cø‰î º¬øJ™ ÜOŠ«ð£‹. GF Þ¬ìªõO¬ò îQò£˜ GÁõùƒè¬÷ Mì„ CøŠð£è ެ튫ð£‹. «êIŠ¹ˆ F†ìƒèœ Íô‹ 𣶠ÞõŸ¬ø ãŸèù«õ ªêŒ¶ ªè£‡®¼‚A«ø£‹. Þ¶ªõ£¼ C‰î¬ù Ý ù £ ™ C ø ‰ î ªêò™ð£´î£¡ M¬ì. æŒMŸ° Hø° àƒèœ F†ìªñ¡ù? Þ¶õ¬ó ܶ ðŸP ⶾ‹ G¬ù‚èM™¬ô. Ýù£™ Þ‰î„ êÍèˆFŸ° ã « î  ‹ ª ê Œ ò «õ‡´ªñ¡ðF™ àÁFò£è Þ¼‚A«ø¡. ã¬öèÀ‚°‚ è™M ¹è†´î™, âù‚°Š H®ˆîñ£ù 裙 ð‰¶Š ðòŸC ÝAòõŸ¬ø «ñŸªè£œ÷ô£‹. õ£êè˜èÀ‚° Mò£ð£˜ °¿ ñŸÁ‹ F¼ ªñ˜M¡ ܪô‚꣇ì˜K¡ ²î‰Fó Fù õ£›ˆ¶èœ. îIN™: üùQ ó«ñw The Fortnight News Highlights – 29th July to 10th August India: 5 Indian soldiers killed in attack by Pak troops, Parliament outraged Mess up by defence minister AK Antony by claiming Pak Uniform Clad terrorists killed the soldiers without looking at actual facts. UP IAS officer Durga Shakti was transfered when she tried to stop the sand mafia. Country rallying behind her as CM Akilesh Ya d h a v g o e s o n t h e defensive. CM Akilesh claims that Durga IAS was transferred because she demolished a wall belonging to a mosque. Mosque denies the claim. Investigations reveal she was not present when the wall was demolished. Another IAS officer Yunus Khan, who has been spearheading a crusade against the sand mafia, faced a bid on his life by the mafia when he was on a raid to check illegal mining in Himachal Pradesh Telangana: Govt. approves plan for dividing AP. Hyd to be common capital. Other groups follow suit divide other states. Number of states, if divided, could reach 50. Second self- immolation bid in Darjeeling over Gorkhaland demand Eid-ul-Fitr to be celebrated across India on Friday Stop Sri Lankan assaults on Tamil Nadu fishermen: Chief Minister Dr.J.Jayalalitha to Indian PM World: Snowden row. U.S. relations with Russia turns sour when President Obama canceled a summit planned for September with Vladimir Putin. Sikh delegation humilated. Remove turbans if you have to board the flight - Rome airport authorities US lawmaker compares Snowden with Gandhi Finance and Technology: Raghuram Rajan appointed as next RBI Governor for three years, to succeed Subbarao. He will be among the youngest to head RBI India ratified 1950 company law eeking to strengthen accounting standards and shareholder rights in a country where many businesses are LOL Get your Independence by becoming a Business Associate Happy Independence Day Mobile : 9944531981 / 9944531985, Email : sales@shriramvyapar.com www.shriramvyapar.com family-controlled. Govt gets a 'New Media Wing' to publicise its programmes through social media platforms Micromax cofounder steps down after arrest in bribery case Sterlite gets nod from National Green Tribunal to operate Tuticorin plant Jet Airways to raise $300 million foreign debt Indian stock market looses and regains $1-trillion club membership HDFC to raise lending rates Rs/$ at its lowest level Indian shares likely to fall: Morgan Stanley Amazon CEO Jeff Bezos astonished the world Monday when he offered $250 million to buy the Washington Post. Science: Regulating electron “spin” may be key to making organic solar cells competitive The genetic build of Indians was set nearly 2000-4000 years ago with the inter-mixing of settlers from abroad and indigenous people, a study reveals. Archaeologist Anya Shetler cleans an inscription below an ancient stucco frieze recently unearthed in the buried Maya city of Holmul in the Peten region of Guatemala. We have nothing to fear from the big change that is about to occur on the sun, researchers stress. The sun's magnetic field is set to reverse its polarity in the next few months. Last year was one of the 10 warmest years across the globe and the hottest on record Astronomers have snapped a photo of a pink alien world that's the smallest yet exoplanet found around a star like our sun. The alien planet GJ 504b is a colder and bluer world than astronomers had anticipated. Monarch butterflies may be struggling, but a University of Minnesota scientist has dedicated her life to their study and preservation. New high-tech laser technique allows DNA to be inserted 'gently' into cells For feedback about this Newspaper Please email to feedback@shriramvyapar.com or Call 044 2615 0707 / 0808 MY Vyapar ADYaR Vol. 1 Issue 5 Local Cover Story T August 11, 2013 Next Issue August 25, 2013 Free Premium Paper adyar’s own education revolutionist an insight into the pupil Apprentice Programme of Madras School of Science he Madras School of Science is located in Besant Nagar where it runs the Pupil— Apprentice—Programme which trains, mentors and leads young students from the VII and VIII standards onwards emphasising the qualities and values vital for a meaningful career in Engineering and the Sciences and by laying a strong intellectual foundation centered around Physics, Logic and Mathematics and a technical foundation centered around the design and fabrication of analogue electronic circuitry and the design and fabrication of Mechanisms. This programme is in its third year of running. In its depth, scope and breadth, this is an unparalleled programme unavailable elsewhere in the world and offers young students in Adyar the opportunity to embark upon a challenging career in Engineering and Science and to make use of opportunities available world-wide to realise it. The Madras School of Science is an initiative of the Provost who is a Research Scientist and an Engineer who grew up in Adyar in Chennai and left for England on a Scholarship. He received his PhD in England and worked in France, Germany and Switzerland before coming to the Massachusetts Institute of Technology in Cambridge, Massachusetts where he worked for five years. He has also worked in a Research Laboratory of the Mount Sinai Hospital based in New York. S u r p r i s i n g l y, h e began his career at the age of fourteen as a c h i l d - w o r k e r, o f t e n working from 5:00PM till 11:00PM after bicycling back from Egmore to Thiruvanmiyur, in a printing press in L. B. Road in Thiruvanmiyur under apalling conditions which together with the Dickensian squalour and adversity in which he grew up in Indiranagar, he credits for teaching him the implications of privilege, patronage and support or rather, the lack thereof. He feels that the adversity and harshness of those days have given him a unique perspective and the ability to examine things from many points of view. The Provost, Madras School of Science can be contacted at 80562 87849 or at 99520 65662. Special Focus Saluting Adyar’s Bravehearts W ETHNIC INDIAN WEAR The Women’s Fashion Store M 68/4, 7th Avenue, M.G. Road, Vannanthurai, Besant Nagar, : 4357 2727, 99 621 621 01. READYMADE, SAREES SALWAR MATERIALS ART ACCESSORIES FASHION ACCESSORIES Sale 50% off e sal e are sure, by now, you must be aware of the two bravehearts J Saravanan and T. Dinesh Babu who rescued Roshini (9 years old) from drowning in the Adyar River. For those of you who didn’t read the story in The Hindu, Roshini was thrown into the river by her own father, Augustine a painter, who also jumped into the river and committed suicide. According to his wife, Vimala, she never saw that coming. She says that she foiled his bid to throw her son Joshua also into the river. There was no trouble in the house or financial issues so she is uncertain why her husband committed the act. We thought that the commendable act of bravery by J Saravanan and T. Dinesh Babu needs mentioning in our newspaper in the current self-serving world that we are headed towards. Above is the picture of one of them Saravanan from The Hindu. Do you have a stories of such selfless and community serving individuals? My Vyapar – Adyar Trendz would be happy to publish them. Write to : adyartrends@gmail.com Up to Style Statement MY VYAPAR I-Craft& I-Stylez I -Craft conducts paper utility / craft workshop for adults and kids at besant nagar. Participants learn to make envelopes, shopping bags, gift boxes, chocolate boxes & more at the utilities workshop and interesting craft items like wall hangings, room decors, flowers, flights etc at the kids craft workshop. All necessary materials are provided. Contact 99400 50697 for registrations and more details I-Stylez, an online selling store sells imported fashion jewellery. I-Stylez has unique collections of bracelets, costume necklaces, statement rings and whole lot of other accessories marketed through a descriptive style of eye-catchy photos which is the USP of this store. In this era of online shopping and marketing, where more and more customers are looking to have products home ADYaR August 11, 2013 wishbook Many more happy returns of the day - Megi The best day in my life was the day I married you The best thing in my life is you I cannot imagine a single day without you I’ve said it once, and I’ll say it again I love you!! - Latha Jaikumar I can feel my heart beating so fast. People think I’m gone crazy and so I am. I’m just crazy in love with you, my wifey - Sathish janarthanan Happy Independence Day to all Indians - Team Shriram Vyapar 4 The day you stepped into my life, you changed it into something so beautiful and meaningful. You are just so amazing to have around. I cannot stop myself from telling you everyday, how much you mean to me. I love you so much. - Athiba Send your FREE wishes to your Loved ones (First 10 words FREE) SMS your message to 99445 31985 or email: ads@shriramvyapar.com delivered at the click of a button, I-Stylez has found its place and is set to bring fashion hard on chennaites and in India. You can access the store at www.facebook. com/istylezindia. Play School Review The English T Kindergarten h e E n g l i s h Kindergarten is a play school situated in the quiet and peaceful locality of Dr.Radhakrishnan Nagar, Thiruvanmiyur. It offers the services of Pre-School,LKG, UKG, Day Care and After School A c tiv itie s . The sc hool has a cheerful and child conducive atmosphere. The toys, books etc are very attractively displayed to attract children to use them. The environment is safe and hygienically maintained. The school has very experienced teachers and trained helpers, who strive to maintain the proper functioning of the school to make it one among the better kindergartens in Chennai. Here children are given an all round holistic development with the help of the programmes especially designed for them. Nutritious snacks and lunch are provided for the children and they are taught the value of good food. True to its name, The English Kindergarten gives a lot of importance to the English Language Development Programme through books, CD’s and Smart Board. Reading, Comprehension, Speaking and writing (cursive) skills are developed through the programme. The children are encouraged to use the Smart Board for Grammar and Math. A reading corner has been created where books are made available for the children. Through this the reading habit is inculcated in the young ones. Circle time and group discussions are held on various topics and the children are encouraged to voice their opinions . Voice Modulation and play enacting are also taught. Besides this, some of the other activities are western dance, keyboard, art and craft, yoga etc. The Management charges very nominal fees in order to make the facilities affordable to many children from different income groups. The English Kindergarten is a place that turns out ‘Happy Kids’ who are eager to face the challenges of regular school. The Kindergarten can be contacted at NEW NO:7, DR.RADHAKRISHNAN NAGAR MAIN ROAD, T H I R U VA N M I Y U R , Chennai – 41. From 9am to 6pm Monday through Friday. ñ‚èO¡ ï‡ð¡ ªè£²‚èO¡ ð¬èõ¡ Contact: Satakeerthi 91500 46722 PLAY SCHOOL, PRE SCHOOL, KINDERGARTEN, DAY CARE, AFTER SCHOOL ACTIVITY A unique International Kindergarten that is focused on the all round development of your child. Airconditioned, safe, hygienic environment. Activity based learning, Smart Classroom, special emphasis on English speaking skills, conducted by highly qualified teachers and committed staff. ADMISSIONS OPEN New No:7, Dr.Radhakrishnan Nagar Main Road, Thiruvanmiyur, Chennai-41 Ph: 044-65150540 / 42151086 / 9444628098 MY VYAPAR T 67th Independence Day his year on 15 August, India is going to celebrate its 67th Independence Day. This day is celebrated all over the nation by hoisting the Indian National Flag at several places. On the eve of Independence Day, the President of India conveys the “Address to the Nation” speech which is announced nationally. On 15 August, the Prime Minister of India hoists the Indian flag on the historical Red Fort site in Delhi. 21 gun shots are fired in tribute of the event. The Prime Minister then conveys a speech emphasising the triumphs of government during the past year, nurtures key disputes and puts forth further ideas for improvement. He also pays homage to the freedom struggle leaders. Several cities in the United States have declared 15 August as “India Day”. This day is to remember our great leaders for their boundless struggle against the foreign muscles to give us the freedom that we enjoy now. It’s our duty to pay tribute & homage to all those who have rested down their lives to Old is Gold A s you age, it is not uncommon to have balance problems. Reasons could be as diverse as heel pain to dizzy spells. Once you have gone to the doctor and ensured that the underlying problem is being taken care, it may be a good idea to get yourself a walking aid so as to avoid falls. The simplest aid is a stick. They come in various materials from wood to plastic to metal, with different grips. Size Chart for walking sticks provide freedom from foreign supremacy. We might be grateful to a number of leaders that embraces Mahatma Gandhi for his fascinating guidance, Rabindra Nath Tagore for his patriotic tracks, B R Ambedkar for a putting a footing for our structure. Added to this hypnotic leadership by Jawaharlal Nehru, Sardar Vallabai Patel helped a lot to bond our country under one flag. Our country had made outstanding progress through the last 6 decades in almost all arenas which makes us clench our head high. Even in the core of rejoicing our Independence Day with superiority and respect, many things worry us. One side to be proud of this vast culture and diversity, on the other these diversities may be the cause of the inequity of right functioning of the country. The monetary and safety of the nation which include violence and economic disaster makes us think to design and reinforce monitoring devices to aspect these tasks. Our country also became the target of several terrorist attacks. But the actual intent of these irritable notices proved to be a failure as the people of India rose united to fight beside these anti human deeds. The willpower of the people to stand hand in hand for the safety of the country is a good pattern of how the citizens keep the ‘we feeling’ in minds. Even though at present we are not to be titled as a developed country, I am definite this praise is not too far for us to conquer. So on this very distinctive occasion, I am promoting a thought before you. Let us bond together for a mutual goal, to sustain the values and make our country the best in the world. “Once again Happy 67th Indian Independence Day 2013″ JAI HIND…….Jai Bharat!!! August 11, 2013 5 Kids Corner Solve and Win Rs.500 Cash + Gift Voucher Prize Sponsors: Baker's Cottage Previous Puzzle WinnerS Adyar Zaara, Adyar Anna Nagar Abhishek Collin Paul Srija S.J. Mogappair Clues (Work Related) Across 2 propose or put forward 3accomplishment 5 elaborate plan 6 assign a task to another person 9 collaborate or work together 11 planned piece of work 14d i s p l a y o f d a t a o r demonstration 15 final result or conclusion Down 1 imposed quantity 4rival 5 written endorsement 7timetable 8 time limit for completing something 10 programme of action 12 objective, target 13preliminary version of a document Send your answers with contact details and photo to ads@shriramvyapar.com Lucky draw for correct answers sent with in One week Keep Walking User’s Height Approx Stick Size 5’ – 5’3” 30” - 32.5” 5’3 – 5’6” 32.5”- 33.5” 5’6 – 5’9” 33.5”- 34.5” 5’9”– 6’ 34.5 - 36” 6’ – 6’3” 36” - 39” Other options are a tripod and quadripod similar to a regular stick but with 3 legs and 4 legs respectively at the bottom. The wider base affords you greater stability. If your balance problem is severe, the other alternative is to use a walker. A walker is a four-legged contraption that provides you much greater stability. Within The Correct Position Stick length should be roughly the distance from the ground to the wrist crease. Size adjustable sticks have made it easier to set length that is bestt suited to an individuals’ height. walkers you have static walkers, reciprocal walkers and reciprocal walkers with wheels. The static walker requires you to lift it and move forward each time, while the reciprocal walkers allow you to slide them forward, one side at a time. The reciprocal walkers with wheels are actually quite safe to use and slide more easily. These afford the best support for people who find walking unaided difficult. If you have balance issues, keep an appropriate walking aid handy. It is much better to have a walking aid with you than to have a fall and break some bones! This column is brought to you by Old is Gold Store – A store for senior citizens, and they can be reached at involve@oldisgoldstore. com Insurance Agents, Real Estate Brokers, Travel Agents etc. Why You Need Them and You Can’t Live Without Them B roker – A word now despised by many. The educated people in the industry now call themselves “Property Consultants” or “Financial Consultants” etc. The only to distinguish the two class of people is the way they are organized and in the way the present the data. The problem with the educated property consultant is he/ she is interested in the big business and not the common man. Moreover property consulting requires extensive travel. Let us look at a world without them. ADYaR - Who will tell you about a new product in the Industry? In the case of insurance, for example, can the 60 life and non-life companies employ people to tell you about the various products they have? How will you find out the various properties available for sale or rent in your area? Are you willing to travel or call everyone to find the right property for you? How about that vehicle that you want to dispose? The sheer enormity of the problem, without the brokers, in a disorganized market like India where even to get a registration certificate is a hassle can be understood by all. - Have you thought about the amount of time, effort and money that would have been spent in research and travel that is simplified by the broker/consultant? Even though the brokers or consultants plays a vital role in your life, how many of you appreciate the efforts of a broker or even willing to reward them for the services? It is time that you saw them in a different light be it a property broker or insurance broker. Hiring reporters My Vyapar is Hiring Freelance / Student Reporters Adyar, Besant Nagar, Thiruvanmiyur, OMR, ECR, Anna Nagar, Mogappair, Ambattur Call: 044 2615 0707/0808 Email: support@shriramvyapar.com Life Insurance for Senior Citizens Maximum Entry Age 70 years Policy Term 10 Years Minimum Single Premium Rs. 25,000/- Maximum Single Premium No Limit call: 9944531981 / 85 MY VYAPAR Sale Mohappair West, Housing board LIG 1 with house in ground floor for sale 30 lakhs. ct. 2615 0707 Annanagar West Extn. Flat for sale in Mogappair 2BHK Near SBOA School, Ist Floor with Car Parking. ct. 2615 0808 Flat for Sale in McNichols Road Chetpet 3265 Sq.ft, 5BHK, with CCP & Power back up Ph: 9282213062 prime space for residential projects 53 Grounds Porur to Poonamalle High Road Kattupakkam 25 crores Ph: 9710207716 SPECIALIST IN • PVC Door • PVC loft cupboard & Modular Kitchen • PVC Puja door • Aluminum Window & Partition work Ph: RICH WORLD 98410 78682 98418 41613 91764 81527 Civil Works Construction of new residential, commercial building & all types of renovations, extension work and all types of interior work by 35 years experienced 81244 01322 Mogappair, Flat for sale, 820 Sq.ft 2BHK With Car parking Rs.5412000/- 6 Flat Only. ct. 2615 0707 Annanagar West Extn. Individual Duplex Home for sale Near DAV School, 1160 sq.ft, 2BHK with CARPARKING. Ct. 9944531981 Annanagar West Extn. Flat for Sale in jeevan Bheema Ngr, Behind Chennai Public School, 876 Sq.ft, 2nd floor,2bhk. Ct. 9944531985 Mogappair, Flat for sale 551 Sq.ft 1BHK With Car parking Rs.36,36,600/- Only. ct. 2615 0707 Mogappair, Independent House for Sale In Mogappair 1200 Sq.Ft, 4BHK With Car Pkng. 1.80Cr. ct. 2615 0808 Residential plot in adyar Adyar Radhakrishnan Nagar, Nearby School. 2.5 grounds, 6 crores, Prominent Landmark 9841724712 affordable villas in Kovalam dream property of your life time 6 grounds Excellent Frontage 2 side roads Calm, clean and serene environment Thiruvanmiyur Beach facing plot Ph: 9841724712 Padi, Land for sale CMDA Approved 4.5 Ground Sale. Rate 3.25Cr. ct. 2615 0808 Annanagar, Flat for sale in Jawahar Colony, Near Shanthi Colony 640 Sq.ft 1BHK Flat, 2 nd Floor. Ct. 9944531985 Nolambur Indepndent House for Sale, 1801 Sq.Ft Land, Build up Area 2300 Sq.ft 40 & 20 Feet Cornor Building with Car Parking Brokers Excuse. ct. 2615 0707 1365 Sq.ft land 1726 sq.ft. 3BHK Villa 57 lacs 8 months possession time Ph: 9841724712 prime commercial land 1.75 Grounds 40 ft. Frontage Prime Commercial Land 7.5 Crore Kodambakkam High Road Ph: 9841724712 Land for Sale in Ayyapakkam, Near Ambattur 3500 sq.ft X 2 Plots. Each Plot Rs.80 lakhs South & North Facing 1840 Sq.Ft plot for sale @ Rs.29 Lakhs West Facing Kattupakkam, Building for sale in janagi ammal nagar extn. Kattupakkam with 5 portion one 3 bed and four 2 bed portions in 1 ground and built up area 4650 sft rate 1.70 cr.. ct. 2615 0808 Ayyapakkam, TNHB plot 2000 sft for sale 80 lakhs near ICMR. ct. 2615 0707 Pillaipakkam near sriperumbudur 7.0 acres for sale suitable for industries 2.0 lakh per cent. Ct. 9944531985 Pappaan Kuzhi, 3.5 acre for sale, just 50 m from NH 4 at 2.0 lakh per cent. ct. 2615 0707 Ambattur, Individual house for sale in venkateswara nagar 55 lakhs. ct. 2615 0808 Santhavellore 2.40 acre for sale in NH 4, 148’ frontage 3.5 lakh per cent. Ct. 9944531981 Ambattur, varadharajapuram near railway station 1650 sft land for sale 70 lakhs. Ct. 9944531981 Kunnam Village, 4.72 acres for sale in Kunnam Village in SH 120 suitable for industry or commercial purpose 2.0 lakh per cent. ct. 2615 0808 A m b a t t u r, r a m a p u r a m thiruvalluvar St 1 ground for sale 90 lakhs. Ct. 9944531985 A m b a t t u r, L e n i n n a g a r individual house newly construction is in progress for sale with land 1050 sft building 700 sft owner leaving abroad 30 lakhs. Ct. 9944531981 BUYING@YOUR DOOR STEP All kindes of used Furnitures, A/C, Color TV, Fridge, Washing machine, Geysers, Computers, Watermotors, Threadmills, and Home Appliances Spot Cash Shree Vigneshwara Enterprises 54, M.T.H Road, Villivakkam, Chennai 49 9840701899 9840433264 Flat for Sale @ Guduvancherry 742/840/ 841 Sq.ft Rate Rs.2850/- Per Sq.ft Ph: 9150284325 Ph: 9282213062 looking for a landmark address in chennai 5 Grounds in Kilpauk 25 crores (Non-nego) Ph: 9710207716 Madipakkam,1 Ground Land, 3000 sq.ft Building, Fully independent, 1.30 Crore. Ph: 9841724712 Adayar Karpagam Gardens 3370sft North facing Rs 6.5Cr Nego. Ph: 9841724712 Tiruvanmiyur Adyar -1Gr to 1.5Gr. prime location properties available. Ph: 9710207716 Posh neighbourhood 12 crores (nego) Padi, Independent House for Sale 2050 Sq.Ft , 3BHK With Car Parking Rate 1.50Cr. Ct. 9944531981 ADYaR T.Nagar, 3 bhk flat in 4 th floor for sale in t.nagar posh area suitable for commercial purpose 1640 sft rate 1.65 cr. ct. 2615 0707 18 grounds for sale near savitha dental college on road property eligible for multiple story buildings. Ct. 9944531985 Suitable for commercial development 1.75 ground for sale on kodambakkam high road. Ct. 9944531981 Kilpauk, Land for Sale, Near Kellys, 1226 Sq.ft with old building, Rate Rs.10000/- per sq.ft. ct. 2615 0808 Vadapalani, Flat for sale 840 Sq.ft, 2BHK, 2nd Floor with Covered Car Parking Rate: 6900000/-. Ct. 9944531985 A l w a r T h i r u n a g a r, 2 b h k & 3BHK Flats for sale, Valasawakkam Size: 830,1710 Sq.ft with CCP@7500/-Per Sq.ft Only. ct. 2615 0707 Vadapalani, New PROPOSED 1BHK, 2BHK,3BHK, Pent House for Sale, Rate: Rs.7800/- Per Sq.ft. ct. 2615 0808 Koyambedu, Flat for Resale 998 Sq.ft North Facing, Opp to Koyambedu Bus Terminus. Ct. 9944531981 ECR, Vacant plots @ ECR next to MGM, 2+ Grnds, @ Times Square layout Rs: 2170/- Per Sft. Contact : 7418134341 Kilpauk, Individual house for sale, 1200 Sq.ft, 2BHK. ct. 2615 0707 Uthandi VGP Part II - Beach facing Flat, Two bedroom brand new flat with lift 1127 sft 1320 sft avaiable price:Rs 4500 Per sft. Contact : 9940167517 Thiruvanmiyur, 4th Sea ward road 2000sft 1500sft 3BHK 2CCP. Ph: 9710207716 Besant Nagar Posh 3300 sft good frontage sea view. Contact : 9841377061/9841072078 Kottivakkam - Kuppam Road Kaveri Nagar 2grounds east facing corner property clear title. Ph: 9841724712 Kottivakkam - Off ECR rd 6+ grnds of CDMA approved building sites for sale. Kottivakkam, East facing, 1200 sq.ft land with 2400 sq.ft building. 5 BHK, CCP, 1.3 Cr. Ph: 9710207716 Adyar, Parameswari Nagar, 953 Sq.ft, Ist Floor, Fully Renovated, Lift, Woodwork, OCP, 92 Lakhs. Thiruvanmiyur, Valmiki Nagar, 2550 Sq.ft. 3000 Sq.ft Built up - 2 Floors, 5 BR, Servant Quarters,CCP, 7 Year old. 4 Crore. Ph: 9710207716 Joint Venture Villivakkam, JV near annanagar west 4.5 acres adv 20 cr. ct. 2615 0808 Potheri, 46 cents for jv near SRM potheri 500 m from GST road 60:40 adv. 1 cr. Ct. Ph: 9841724712 Chengalpet, 1.01 acre dtcp layout available for jv near chengalpet bye pass in kanchipuram road 65:35 adv.75 lakhs. ct. 2615 0707 Kelambakkam, 50 cents available for jv near kelambakkam junction on vandalur road. Ph: 9841724712 5.5 acres for jv in balaji nagar opp puzhal camp 3 km from GNT road . Ct. 9944531981 Kolathur, 56 cents for jv in Radhakrishna nagar nr doctors colony kolathur 100 feet road details. Ct. 9944531985 Villivakkam, 5 grounds available for jv thathankuppam villivakkam very near 100 feet road. ct. 2615 0707 Kattuppakkam, JV at mount poonamalle road kattuppakkam 53 ground 60:40 adv 25cr.. ct. 2615 0808 Rental Annanagar, Flat for Lease, 650 Sq.ft, Ist Floor, 2BHK Flat in Vasanatham colony, Near 18th Main Road for lease. Ct. 9944531981 Annanagar, Individual House for Rent Near Andaman House, 1 BHK, 750 Sq.ft. Rent Es.10000/-pm. ct. 2615 0707 Ambattur, Property required for lease near main roads for showroom minimum 6 to 10 grounds. Ct. 9944531985 Ambattur, individual house for rent 4 bhk near PTR mahal 10 k per month. ct. 2615 0808 Adyar, furnished, deluxe, one bedroom for bachelor Rs, 7000, 2 BR, lift carpark, 1st flr, 24000, deluxe marble 2 bedroom, 3BR marble, 32000rs ind 4 BR, 1st floor 60k. Ph: 9710207716 Adyar, Indra nagar station, 2 n u m b e r, 2 b e d r o o m h a l l kitchen for immediate occupation, residential, official bussiness, bachelors. Ph: 9841724712 Adyar, Kasturba Nagar, 2 br 1000sft renovated tiles flooring service area rent 18000. Ph: 9710207716 Adyar Kasturba Nagar, brand new apartment 2 bedroom 100sft wood work modular kitchen covered carpark separate terrace rent 22000. Ph: 9710207716 August 11, 2013 6 Adyar, Indira Nagar, Brand new, near hindu school 2 bedroom 1200sft lift power backup covered carpark 30000rent 2 bedroom flat 22000. Ph: 9841724712 Adyar, Gandhi nagar 2nd main road near padmanabha temple brahmin or pure veg grd flr 2 bedroom hall kitchen 2 bathroom open carpark rent 18000. Ph: 9710207716 Adyar, Gandhi nagar 2nd main road 830sft firstflr, 3 bedroom hall kitchen lift vegetarian only rent 16000. Ph: 9710207716 Adyar, LB road adyar ananda bhavan oppp 800sft1st flr east facing 2 bedroom marble floor 24 hrs water carpark 18000. ct 26150707 A d y a r, I n d i r a N a g a r, independent house 1st flr 1350 sft 3 bedroom 25000 rent preferably chirstain famil carpark 24 hrs water. Ph: 9710207716 Adyar LB Road - Showroom space 2500 sft Ground floor near adyar signal, L.B Road spacious parking @ Nibhav building. ct 26150707 Besant Nagar, 2 bedroom 1270 sft, 4th floor, sea view covered carpark 2ac fridge, tv, showcase, dressing dining tables, 2 cot bed, sofaset, 36000/- family. vegetarians. Ph: 9710207716 Besant Nagar, Kalakshetra, colony, beach road 1400sft, 3 bedroom, modular kitchen, carparking. Available on rent from 15th august, only veg. Ph: 9710207716 Besant Nagar, Kalakshetra colony, 2 bedroom 1 st flr, 15000. Ph: 9841724712 Besant Nagar, 2 bedroom flat, ellaiamman koil st, besant nagar, near bus terminus, st, john’s school & vannanthurai, carparking. Ph: 9710207716 Besant Nagar, 2bedroom fully furnished flat 1900 sft, only company lease & Adyar Karpagam garden deluxe 3 bedroom veg only. 2615 0707 ECR, Neelangarai 5 Ground land with Bungalow, 5 BR, Swimming Pool,Garden, Power backup, 4 CCP, Servant Quarters,Seaview. Rent 2 Lakhs. Ph: 9710207716 ECR, Akkarai, Brand New Bungalow 3000 sq.ft, 4 BR, CCP, Small Garden,Power Back up. Rent 75000. Ph: 9841724712 ECR, Akkarai, 4 Ground Land, East Facing, 4 BR, All BR fully furnished, swimming pool, garden, Rent 1.5 Lakh per month. Ph: 9710207716 Kottivakkam, 2400sft, fully furnished near nellai nadar school. 40000. Ph: 9841724712 Kottivakkam - 1700 sft INDP House Nr ECR for office garments & Play school. Ph: 9710207716 Kottivakkam, AGS colony 1st flr 2 bedroom flat open carpark. Ph: 9710207716 Kotturpuram, near anna university grd flr, 3 bedroom hass kitchen 2 halls servant bayth garden water plenty modular kitchen. ct 26150707 N e e l a n g a r a i , g r d f l r, 2 bedroom, with attachmed bathroom spacious hall kitchenn pooja open carpark 1200sft, access frm ecr -omr. Ph: 9841724712 OMR, Indep house, 2000sft, near sangeetha hotel, omr, 20000/-, veg only. Ph: 9710207716 MY VYAPAR OMR, Vijaya shanthi apartment jayendra colony 3 bedroom flat for rent. Ph: 9710207716 OMR, Thuraipakkam 3 br hall kitchen 1flr, 1400sft carparking 20k, generator 24 hrs security. Ph: 9841724712 Nolumbur, Mogappair, 3 BHK, 1309 Sq.ft, CCP, VGN La Parisienne. Ph: 9710207716 Palavakkam, Seaside 2 bedroom hall kitchen dining carpark grd flr, 1200sft near beach. 26150707 Perungudi, Corporation road, 3 bedroom 4 split ac, modern kitchen, 1750sft. Ph: 9710207716 Perungudi, 3bedroom modular kitchen wardrobe covered carpark gym swimming pool play area ready to occupy, residential/ commercial. Ph: 9841724712 Prime Location : Decent aprt 3bedroom 1600sft spacious hall separate dining woodwork modular kitchen service area covered caprpark rent 25000. Ph: 9710207716 R a d h a k r i s h n a N a g a r, 3 bedroom 2flr, 1450 sft, 4 ac, rent 40000. Ph: 9841724712 RA Puram, near jananki mgr college 2bhk for 8500 rent advance 50000 with carpark. Ph: 9710207716 R.A.Puram Greenways Rd, 200sft shop for rent. Thiruvanmiyur, near tidel park, kamaraj nagar 2nd west street, old no L1A, New NO 27, first floor, 2 bedroom hall kitchen covered carpark. Ph: 9841724712 Thiruvanmiyur, Thiruvalluvar nagar, RTO, old beach road HIG flat, grd flr, 2 bedroom hall, kitchen, newly renovated with covered carpark, 20000. Ph: 9710207716 Thiruvanmiyur - Just opposite of tiruvanmiyur main bus terminus on main road near ECR turning 1 floor 2000sft carpark/ elegant elevation,excellent landmark,ideal for corporate office/Bank,Computer education Insurance office/ Showroom. Ph: 9710207716 Thiruvanmiyur, nr kalashetra road, 3 new flats of 2 br hall kitchen with carpet area, 1220sft, each with fully furnished,modular kitchen. MNC preferred, Broker excuse. Ct. Ph: 9841724712 T h i r u v a n m i y u r, 5 0 0 s f t furnished office space in ground floor calm residential area op to lb road post office. Ph: 9710207716 Thiruvanmiyur, Thiruvalluvar nagar marutham apartment H52/ F2 flat for rent rs, 14000 carpark. Ph: 9710207716 Thiruvanmiyur, Kurinji flat 800sft, grd flr 2 bedroom 13000. Neelankarai kazura garden, 950sft 2 bed room 16500 carpark. Ph: 9841724712 T h i r u v a n m i y u r, b e h i n d R T O f i r s t f l r, t h e n d r a l apartments 2 bedroom hall kitchen dining open carpark, immediate occupation. Ph: 9710207716 Thiruvanmiyur, LB Road 1300 sft 3 bedroom halll kitchen 1st flr near RTO 21000. ct 26150707 Economy Banking for the masses and not classes T.B.Kapali t is generally thought that poor people can (and should) make do with minimum amounts of everything – be it food, clothing, housing or other social services such as education, healthcare, transport. Indian policy-makers have created such a deep impression by denying basic social services to the poor for long. Now, they want to strengthen that impression. They want to (continue to) deny basic financial services to the poor; though they take care in public to say that they want to serve the poor. S p e c i f i c a l l y, I n d i a n authorities want to set up more new “banks” in order to attain what they call as “financial inclusion”. Financial inclusion broadly means that people in the lower economic strata are able to access basic and necessary financial services such as savings and loans – appropriate to their condition. Indian policymakers think that only banks are capable of bringing about such inclusion. Weak track record But, what has been the track record of Indian banks in the past 50 years as regards financial inclusion? It is quite poor. Census 2011 shows that out of 25 crore households in India (each with 4 or 5 members), 50% of households – a population of 60 crore out of a total 120 crore – do not have any banking services. No savings account even, not to speak of loan / credit facilities. The commercial / business requirements of people in the lower economic strata are also I largely ignored by the bankled system. It has been estimated that there are some 10 crore tiny / micro / small business units in our country- called as the MSME sector. They range from the corner provision store, the mechanic shop, the small textile shop, the small road transport operator, the local pharmacy, the small town hotel, the local carpenter, the vegetable vendor, the corner metal welding unit etc. These 10 crore units are the largest providers of employment in our country outside of agriculture, employing nearly 200 million people. The total loan / credit requirements of this sector in a typical year has been estimated at as much as Rs.20,00,000 crore. How much of that is provided by the banking sector? Only about 15%, official figures show. And that is how it has been for many decades now. So, how do the MSME units manage? They manage by borrowing from nonformal or unorganized sources such as local money lenders and pawn brokers. Role of unorganized sector financiers A recent news report highlights the important role that local money lenders and financiers are playing in providing essential financial services. 900 grams of gold was stolen from a single pawn broker in one particular locality of Chennai city. The market value of the gold at, say, an average price of Rs.2500 per gram is approximately Rs.25 lakhs. Against the gold in stock, the pawn broker would have probably made loans to the tune of say Rs.15 lakhs. Almost all the gold should have been pawned by households financing their essential consumption such as healthcare, education and by small / tiny business enterprises raising working capital for their operations by pledging their personal possessions. If one pawn broker in one locality of Chennai could be making loans to the extent of Rs.15 lakhs, just imagine how much of financing would have been raised through the lakhs of pawn brokers across our country. It is therefore not surprising that the non-formal and nonorganized sources of finance meet nearly 80% of the total financing requirements of small and micro businesses in our country. Also note that the pawn broker can make a lot more loans if he is able to access more lendable funds on the base provided by his capital of Rs.15 lakhs. Would it not be a win-win for everyone? The pawn broker can provide a savings outlet for millions who do not have a bank account. He can also help the small borrower with more of them being serviced at lower interest rates. India needs thousands of small finance “banks” The pawn broker system has to be re-jigged and formalized as, say, a small finance company. And, India needs thousands of such small companies to attain financial inclusion. We can even call them as mass banks. The name does not matter. But, what we do not want is more of the same “class” banks we already have. Thiruvanmiyur, independent grd flr 1300sft 2 bedroom 2 hall kitchen with carpark at kalakshetra road. Ph: 9841724712 Thiruvanmiyur, Valmiki Nagar, Independent Bungalow, 3000 sq.ft, 3 BR, All room AC, small garden, CCP, Gen backup. Rent 1 Lakh. Ph: 9841724712 ADYaR August 11, 2013 7 Social Responsibility - Charity Help get a wheel chair Meet Kavitha (Age 26). She is paralysed and needs your financial help to buy a wheel chair. She can move around with your help. Please call Latha: 8148864171 Want to Buy / Rent a Property? Fair Value Transactions Owner to Owner interactions Professional approach Discount deals for new properties Legal advisory services Loans arranged (15 Banks / NBFCs) Nominal Service Charges Experience the Shriram Vyapar Difference Anna Nagar: 2615 0707 / 0808 Adyar: 98417 24712 www.shriramvyapar.com Meet Rahul (Age 12). He needs to undergo a by-pass surgery. He can have a future with your financial help. Call Rajesh 95661 71118 from Save a Life Foundation. 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The editor and publisher do not vouch for any claims made by advertisers and hence shall not be liable for any adverse consequence. MY VYAPAR Registrar of Newspaper Reg. No. 123298 ADYaR Local Entrepreneur August 11, 2013 Advt Tariff 8 Free Listing for Real Estate Classifieds Anna Nagar or Adayar Rate Per Sq. Cm. (Rs.) Front Page 260 130 Front Inner 220 110 Back Page 240 130 Back Inner 220 120 Regular Colour Ads 180 95 Regular B&W Ad 130 65 Non Real Estate Classified (Internet and Paper) 550 Flat Non Real Estate Classified (Paper Only) 450 Flat Ad Type CHENNAI SPICE FEATURE INSPIRING ENTREPRENEUR PARVEEN SIKKANDAR CEO, Damini Artisans achievement as the brightest minds from the IITs and IIMs were competing in this event. Q. What makes you stand out from the others? A. Sometime back, at an investor meet in New A. Our products are not generic or factory-churned replicas. We specialize in jhumkas and we are clearly a monopoly in this category. Q. Who has inspired you in your life and why? Q. What’s your most memorable Adyar Shop #24, Ground Floor, Corporation Complex, Indira Nagar, Adyar, Chennai - 20. Ph: 9841724712 adyartrendz@gmail.com experience as an entrepreneur? Delhi, I was explaining my business model to a panel comprising three Canadian bigwigs. They were all smiles throughout my presentation, much to my wonder. Towards the end of the session, the trio fished out a set of wind chimes made by Damini Artisans. Apparently, they had bought the chimes at the Indira Gandhi International Airport that morning, en route to the meet. CHENNAI SPICE | FEBRUARY 9th 2013 | 16 e dukon a p a k i y in Deep ocker Tamil m i Express a a eepik Chenn press D Q. What’s the biggest issue you struggle with as an entrepreneur? A. In business, 90% of the people you encounter are never honest. Honesty is certainly my greatest asset, but it’s also a liability in these times. I expect honesty from everyone. However, even artisans tend to mislead me. There was this one craftsman who told me that he made original, exquisite jewelry boxes all by himself and sold a huge quantity to me. But I spotted his same ‘unique creation’ in the Thai Exhibition at Chennai Trade center. Every day, I get to meet dishonest people. As an entrepreneur, I find it tough dealing with them on a regular basis. Most of them have no respect for other people’s time and seldom keep their word. Q. How do you generate profitable customers for your business? What unusual approaches do you adopt for marketing your products/services? A. Repeat customers are our greatest strength. We have exceptional products desired by customers all over the world, who want to own exclusive items. Our staff members are taught to be polite at all times and dissuaded from arguing with customers, even if the latter are in the wrong. We are present in high profile stores like Odyssey and Landmark, which again offers a wider reach. Damini, as a policy, does not use pictures or stories of artisans to market its products. We believe the product sells by itself. CHENNAI SPICE | FEBRUARY 9th 2013 | 17 www.daminiartisans.com ake ai Ex n C h e n n h o e x p e c ts to m de ,w si e g P a d u k o n r into Tamil alon ers uld late iyaan, sho her foray ’s Kochad d fail attempt at th n a ik jn te Ra pseudo er exaggera him with h uth Indian’s, with a ta ti o n o n mocking S i a c c e n t. R e p re se ay, be d w Ta m il -H in n culture in a crude or the , ia ls d a In tu ri th u So e temple th , li ocalists a v k a g it Kath imickin m f o t p e c s. Here crude con India in the song Karan th is u h o S e reliv from h trying to e at the is Shahruk fighting for his lov South s, y y rl a u d b Arjun down punching all ease. age of 47, ouble his size with d n e m n India I T Q. What does a day-in-the-life of Parveen consist of? Sathyaraj with Shahr ukh and Vijay CHENNAI SPICE FEATURE INSPIRING ENTREPRENEUR PARVEEN SIKKANDAR CEO, Damini Artisans M: +91 44 4218 8774 Entertainment manpower of more than 150 dedicated artisans and 20 trailblazing designers, Damini's products are a s y n o n y m f o r q u a l i t y, beauty and affordability. While her flagship store is located in the quite , upscale neighbourhood in Kotturpuram Chennai, you can find her products doing brisk business in megastores like Landmark and Odyssey. a finalist at the Economic www.daminiartisans.com Times Power of Ideas initiative in 2009. Later came the Best Women Enterpreneur Award in 2011 from the Women Entrepreneur's Association Parveen Sikkandar of Tamil Nadu. Eight years Damini The Artisans of India and going strong, Damini is 20 Arunachalam Road Kotturpuram, Chennai 85 a force to be reckoned with, Tel: 044 - 42188774, in the highly competitive Fax: 044 - 42087739 market of traditional Mobile: 91+ 9884161039 jewellery. Web: www.daminiartisans.com Backed by a (wo) A. I am a newspaper junkie. I read five newspapers in a day. I don’t have a set routine and I still love cleaning the kitchen! I used to do that full time before I became an entrepreneur. I call my mom every day and give her a roundup of all the gossip in the city. Mornings I spend replying to emails, meeting up with staff and new vendors, finishing bank work, sorting out bills and running a few errands. Lunch is usually at home. At noon, I watch something on the telly or read a book and rest for an hour. In the evening, people would drop in to meet me and discuss ideas to help run their business. I then meet a few staff members informally over tea and snacks, spend some time with them and inquire about their families. My dinner is always early – at 5. 30 or 6 pm max. I eat out a lot. Since most restaurants in Chennai open at 7 pm, my son and I often have a good sit-down dinner and talk about the day’s happenings and share jokes. I have lots of friends living overseas. I chat with them for a while before calling it a day at 11. SHOP NOW Damini India, is j e w e l l e r y a n d retail giants, middlemen, Q. What do you fashion consider to be your greatest s and designer accessories label and the achievement? corporate houses. Going entrepreneurial brainchild A. Setting up a sustainable business model and knowing that it a g a i n s t t h e g r a i n and of Parveen Sikkandar, is one of India’s top business ideas in recent years. I was selected a finalist m b r aTimes c i nPower g aof Ideas b u(2009) siness a journalist based asout ofin theeEconomic from 17, 800 entries across India. I consider this to be a huge Chennai, India. The brand model that ensured that retails a wide variety of these craftsmen would NOW 44 4218 8774 fair and prompt jewellery SHOP ranging fromM: +91receive those made of silver and payment, Parveen set about semi precious metals to building her labour of love. This earned her a spot as gold-plated, costume, glass, paper and Thamara silver jewellery. There are also leather accessories to pique the curiosity of the curio crowd. The seed of the idea was planted in 2001 when Parveen got a reality check on the plight of traditional A Anna Nagar Old No.69B New No.Z-136 5th Avenue, Anna Nagar, Chennai - 40 Ph: 9840167756, 64611111 Promoting Local and Rural Products Globally A. I draw my inspiration from small scale vendors who are specialists in their businesses. They aren’t armed with the financial backing of multi-Crore bank loans or a rich uncle rural artisans The Artisans who can of fund them. They work harder than awho colony ofwere ants and ensure that they sustain their business inspite all hurdles, being taken for a ofride by an indigenous because for them, it is their only source of income. his weekend to be most memorable his for Sathyaraj as nt a t r most impo an di In biggies in the d e s a e Cinema rel h t i w this week s s e r p Chennai Ex h ot B a. and Thalaiva ve th es e m ov ie s ha tal vo pi Sathyaraj in roles. Classified includes 30 words and additional words cost Rs. 20 per word for Chennai and Rs. 12 per word for Adayar or Anna Nagar. Online ads are displayed for 1 month. Get great discounts on 6 months or 1 year ad rates. A Local Mompreneur with a Difference Parveen is brutally honest and will call a spade, a spade. She would never sit around and make small talk when on business. She always has her agenda marked clearly. She has a wonderful sense of humour and is totally committed to her work.” Chennai Love in reel life, opposing in real life Thala Ajith's shocking scene A ctor Cheran with his subtle love dialogue deliveries in most of the films he starred and directed is now on a mission to save his daughter from the clutches of evil lover,Whom he thinks will ruin his daughter's life. Pls make films other than love stories. Isaignani’s Raagas M an behind soul full tunes and memorable songs Ilayaraja is all set to copy write his tunes soon. ms Politics and fil jump into politics.Epitomised fter tasting success with films mass heroes y in politics.Actors Sivaji by Matinee idol MGR who ventured successfull r Vijay's Thalaivaa keen s.Acto politic join to g willin ganesan,Rajinikanth,Ajith not a wrong note.Since the on sters to position among his fans politically to lure young t's not the time to ling.I gamb cal Politi for way es actor publicises his efforts,pav mislead youngsters. Ajith's m is mba Arra all set to create record of sorts M ost expec te fi lm th is y d e ar Thala's A rr leaked videos a m b a m fr p o st p ro d u ct om the io n cr ew shocked film in T h e le ak ed dustry. fo o ta g e portrayed Aji th o v e r u p s i hanging de down getting hit by go cr ea te d ha vo on das c am on g online fa ns sh o u ld b e la . T h a l a u the risk taking d ed fo r abilities. A rrambam is the title of Thala's next film.Ajith with his do good attitude, he has conquered fans all over the world. Ajith is the first person in the film industry to disband his fans club. Published By Giridhar Raja and Owned by/On behalf of Shriram Vyapar Private Limited and published from R5-A/2, Imayam Colony, Anna Nagar West Ext. Chennai - 600101 and printed by C. Murali, Frontline Printers Private Limited at M-7, Thiru-Vi-Ka Industrial Estate, Guindy, Chennai - 600032. Editor : S. Vijay Prakash